Douglas Wilkerson

VA Loan Limits in 2026: What Zero Down Actually Buys — and the Math When You Go Over

Douglas Wilkerson

Published on: 08/11/2026

VA loan limits 2026: the 2026 county limit is $832,750, but full-entitlement veterans have NO loan limit and no down payment at any price. Here is the 25% guaranty rule, the partial-entitlement down payment math, and real Jacksonville examples.

VA loan limits 2026VA loan no down payment limitVA jumbo loanVA loan entitlementVA guaranty 25 percent ruleVA loan county limitVA loan second homeVA loan limits Jacksonvillehow much house can I buy VA loan

When Does FHA Mortgage Insurance Go Away? The 11-Year Rule, the Refinance Exit, and the Math

Douglas Wilkerson

Published on: 08/11/2026

Less than 10% down on an FHA loan means mortgage insurance for the life of the loan — about $29,400 on a $300,000 home. Here is the 11-year rule, the refinance exit, and the math.

FHA mortgage insurance removalwhen does FHA MIP go awayFHA MIP 11 year ruleremove FHA mortgage insuranceFHA to conventional refinanceFHA MIP life of loanFHA loan JacksonvillePMI vs MIP

Can I Have Two VA Loans at the Same Time? The Second-Tier Entitlement Math, in Plain English

Douglas Wilkerson

Published on: 07/11/2026

Yes — you can hold two VA loans at once if you have enough remaining entitlement. Here is the VA's own four-step math, a $450,000 Jacksonville example, and what a second loan costs in funding fees.

two VA loanssecond-tier entitlementVA bonus entitlementremaining entitlementVA loan JacksonvilleVA funding fee subsequent useVA Certificate of EligibilityPCS home purchase

How Much House Can You Afford in Jacksonville on $75,000 a Year? The Payment Math, Line by Line

Douglas Wilkerson

Published on: 06/11/2026

On a $75,000 salary, you bring home $6,250 a month before taxes. At the 43% debt-to-income ceiling, your full housing payment can run $2,687.50 a month — about a $319,000 home with $0 down, or about $399,000 with 20% down. Here is every line of the math, on Jacksonville's real prices.

how much house can I afford Jacksonvillehow much house can I afford on 75000 salaryaffordability calculator Jacksonville FLdebt to income ratio mortgageJacksonville median home price 2026how much house can I afford 75000 a yearFHA loan limit Duval County 2026first time home buyer Jacksonville